9 Ways You Can Buy Car Insurance for Less in Chebanse

Having to pay for overpriced car insurance can overdraw your savings account and put a big crunch on your finances. Comparing price quotes is a great way to slash your bill and have more diposable income.

Drivers have multiple to pick from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

Finding affordable coverage in Chebanse is quite easy. If you have car insurance now, you will be able to lower your premiums substantially using this information. Nevertheless, Illinois car owners do need to know how companies sell online and apply this information to your search.

Be sure to get all your discounts

Companies that sell car insurance don't list every discount very clearly, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.

  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Paperwork-free - Certain companies will give a small break simply for signing over the internet.
  • Accident Waiver - Certain companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Multiple Policy Discount - If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Own a Home - Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • No Accidents - Drivers who don't have accidents can save substantially when compared to drivers who are more careless.

It's important to understand that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

compare Chebanse car insurance rates

Is there truth in advertising?

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim of big savings after switching to their company. How does each company make the same claim? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For example, a driver they prefer could be between 25 and 40, insures multiple vehicles, and chooses high deductibles. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be quoted a higher premium and this can result in business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently state the savings. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

For more Illinois car insurance information

More tips and info about car insurance can be found at the Illinois Department of Insurance website. Consumers can view a list of available companies, get help finding coverage, view agent and company licensing information, and read enforcement actions against agents and companies.

Also read more on this site for car insurance rates in Illinois and this list of insurance agents in Chebanse, IL.

Final considerations

Low-cost car insurance can be sourced from both online companies and also from your neighborhood Chebanse agents, so you should compare both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

When buying insurance coverage, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.